Fee Value Placemat
Reasonable Fee Rating™ — Evidence-Based Plan Analysis
The core principle of the Reasonable Fee Rating™
Fees matter in the absence of value. A plan charging 20 basis points with a 40% participation rate is not cheap — it is failing. The RFR™ measures whether the outcomes a plan produces justify the fees it charges.
Plan Information
Plan Assets
$
Participants
#
Total Plan Cost
%
Benchmark Low
bps
Benchmark High
bps
Outcome Assessment
0 / 7 ratedRate each metric — the score reflects whether fees are justified by outcomes.
Strong
Developing
Needs Attention
Participation Rate
% of eligible employees actively contributing
Average Deferral Rate
Average % of salary being contributed
Investment Stability
Consistency and quality of investment menu
Default Rate / Loans
% with outstanding loans or hardship withdrawals
Retirement Readiness
% projected to replace 70%+ of pre-retirement income
Financial Wellness
% reporting financial confidence or on-track status
Investment Allocation
Appropriateness of participant investment choices